LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,591
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,626
−HK$3,085/mo
Today · 4.125%
HK$103,711
baseline
▲ 0.50% · 4.625%
HK$110,021
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,422/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,569
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,480
−HK$2,954/mo
Today · 4.125%
HK$114,434
baseline
▲ 0.50% · 4.625%
HK$120,466
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,868/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,109
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,752
−HK$3,701/mo
Today · 4.125%
HK$124,453
baseline
▲ 0.50% · 4.625%
HK$132,025
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,906/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,282
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,777
−HK$3,544/mo
Today · 4.125%
HK$137,321
baseline
▲ 0.50% · 4.625%
HK$144,560
+HK$7,239/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,642/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,627
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$140,877
−HK$4,318/mo
Today · 4.125%
HK$145,195
baseline
▲ 0.50% · 4.625%
HK$154,030
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,390/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,996
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,073
−HK$4,135/mo
Today · 4.125%
HK$160,208
baseline
▲ 0.50% · 4.625%
HK$168,653
+HK$8,445/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,416/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,663
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,127
−HK$5,552/mo
Today · 4.125%
HK$186,679
baseline
▲ 0.50% · 4.625%
HK$198,038
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,358/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,424
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,665
−HK$5,317/mo
Today · 4.125%
HK$205,982
baseline
▲ 0.50% · 4.625%
HK$216,839
+HK$10,857/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,964/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,922 · Scale 2, in force from 26 Feb 2026)